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The Ogaki Kyoritsu Bank (8361) · FactDecline in revenue and profit from the credit guarantee business

Credit guarantee business becomes a reportable segment

First written in FY2019-Q3. 7 of 22 entries say "Advanced", first in FY2020. Latest entry: FY2026.

22entries
8years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2019-Q3 – FY2020-Q3OtherFY2024-Q1 – FY2024-Q3AdvancedFY2025-H12019: 320192020: 420202021: 320212022: 420222023: 420232024: 220242025: 120252026: 12026
Same theme, other companies
Credit card and credit guarantee businesses established as an independent reportable segmentA theme 10 companies write about · 0 as a headwind · 3 as a tailwind

The whole theme swung hardest in 2024: 3 of 6 companies on the "Worse" side.

2 other companies' latest entry also says "Other".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. FY2026Decline in revenue and profit from the credit guarantee businessAnnual report

    「In the credit guarantee business, ordinary income was ¥2,911 million, down ¥471 million from the previous fiscal year, while segment profit was ¥1,340 million, down ¥1,184 million.」

    For the credit guarantee business, both ordinary income and segment profit were below the previous fiscal year.
  2. FY2026-H1Decline in revenue and profit from the credit guarantee businessAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥166 million year on year to ¥1,457 million, while segment profit decreased by ¥359 million to ¥817 million.」

    For the credit guarantee business, an independently reportable segment, both ordinary income and segment profit for the interim period were below the year-earlier period.
  3. FY2025-H1AdvancedAnnual report

    「In the credit guarantee business, ordinary income increased by ¥96 million year on year to ¥1,623 million, while segment profit increased by ¥101 million to ¥1,176 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit for the interim period were above the year-earlier period.
  4. FY2024-Q3Credit guarantee business: revenue down, profit downAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥233 million year on year to ¥2,288 million, while segment profit decreased by ¥94 million to ¥1,646 million.」

    For the credit guarantee business, an independently reportable segment, both ordinary income and segment profit for the cumulative third-quarter period were below the year-earlier period.
  5. FY2024-Q2Credit guarantee business: revenue down, profit upAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥54 million year on year to ¥1,527 million, while segment profit increased by ¥97 million to ¥1,075 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income was below the year-earlier period, while segment profit was above it.
  6. FY2024-Q1Credit guarantee business: revenue down, profit upAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥28 million year on year to ¥762 million, while segment profit increased by ¥65 million to ¥456 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income was below the year-earlier period, while segment profit was above it.
  7. FY2023AdvancedAnnual report

    「In the credit guarantee business, ordinary income was ¥10,678 million, up ¥7,205 million from the previous fiscal year, while segment profit was ¥9,616 million, up ¥7,378 million.」

    For the credit guarantee business, an independently reportable segment, both ordinary income and segment profit were significantly above the previous fiscal year.
  8. FY2023-Q3Credit guarantee business: revenue down, profit upAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥77 million year on year to ¥2,521 million, while segment profit increased by ¥72 million to ¥1,740 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income was below the year-earlier period, while segment profit was above it.
  9. FY2023-Q2Credit guarantee business: revenue down, profit downAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥94 million year on year to ¥1,582 million, while segment profit decreased by ¥52 million to ¥977 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit for the interim period were below the year-earlier period.
  10. FY2023-Q1Credit guarantee business: revenue down, profit upAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥14 million year on year to ¥790 million, while segment profit increased by ¥4 million to ¥390 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income was below the year-earlier period, while segment profit was above it.
  11. FY2022AdvancedAnnual report

    「In the credit guarantee business, ordinary income was ¥3,472 million, up ¥162 million from the previous fiscal year, while segment profit was ¥2,237 million, up ¥232 million.」

    For the credit guarantee business, an independently reportable segment, both ordinary income and segment profit increased from the previous fiscal year.
  12. FY2022-Q3AdvancedAnnual report

    「In the credit guarantee business, ordinary income increased by ¥55 million year on year to ¥2,598 million, while segment profit increased by ¥100 million to ¥1,668 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit for the cumulative third-quarter period were above the year-earlier period.
  13. FY2022-Q2AdvancedAnnual report

    「In the credit guarantee business, ordinary income increased by ¥87 million year on year to ¥1,676 million, while segment profit increased by ¥138 million to ¥1,029 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit for the interim period were above the year-earlier period.
  14. FY2022-Q1Revenue up, profit downAnnual report

    「In the credit guarantee business, ordinary income increased by ¥16 million year on year to ¥805 million, while segment profit decreased by ¥84 million to ¥386 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income was above the year-earlier period, while segment profit was below it.
  15. FY2021-Q3AdvancedAnnual report

    「In the credit guarantee business, ordinary income increased by ¥205 million year on year to ¥2,543 million, while segment profit increased by ¥298 million to ¥1,567 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit were above the year-earlier period.
  16. FY2021-Q2Decline in revenue and profit from the credit guarantee businessAnnual report

    「In the credit guarantee business, ordinary income decreased by ¥147 million year on year to ¥1,589 million, while segment profit decreased by ¥166 million to ¥891 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit for the interim period were below the year-earlier period.
  17. FY2021-Q1Decline in revenue and profit from the credit guarantee businessAnnual report

    「In the credit guarantee business, ordinary revenue decreased by ¥89 million year on year to ¥789 million, and segment profit decreased by ¥80 million year on year to ¥471 million.」

    For the credit guarantee business, an independently reportable segment, ordinary income and segment profit for the first quarter were below the year-earlier period.
  18. FY2020AdvancedAnnual report

    「In the credit guarantee business, ordinary revenue was ¥3,130 million, an increase of ¥91 million from the previous fiscal year, and segment profit was ¥1,595 million, an increase of ¥283 million.」

    Revenue and profit from the credit guarantee business as a separate reportable segment increased from the previous fiscal year.
  19. FY2020-Q3RestatedAnnual report

    「In the credit guarantee business, ordinary revenue decreased by ¥124 million year on year to ¥2,338 million, and segment profit decreased by ¥55 million year on year to ¥1,269 million.」

    The credit guarantee business continued to be presented as a separate reportable segment. During the nine-month period, ordinary revenue and segment profit were below the levels of the same period of the previous year.
  20. FY2020-Q2RestatedAnnual report

    「In the credit guarantee business, ordinary revenue increased by ¥101 million year on year to ¥1,736 million, and segment profit increased by ¥161 million year on year to ¥1,057 million.」

    The credit guarantee business continued to be presented as a separate reportable segment, with revenue and segment profit for the interim period disclosed.
  21. FY2020-Q1RestatedAnnual report

    「In the credit guarantee business, ordinary revenue increased by ¥53 million year on year to ¥878 million, and segment profit increased by ¥75 million year on year to ¥551 million.」

    The credit guarantee business continued to be presented as a separate reportable segment, with ordinary revenue and segment profit shown on a year-on-year basis.
  22. FY2019-Q3First statedAnnual report

    「Beginning in the third quarter of the current consolidated fiscal year, the company changed its presentation method to report the credit guarantee business as a reportable segment because its quantitative significance had increased, whereas it had previously been included in Other.」

    Because the credit guarantee business had become quantitatively significant, it was presented separately as a reportable segment rather than within Other.
Moved together

"Strengthening Profitability and Growth" moved the same way as this thread, in the same document, in 6 of its 22 moves.

665554★123456
  1. ★This thread
  2. 1Strengthening Profitability and Growth6×
  3. 2Building a Sound and Efficient Framework6×
  4. 3Expansion of solution services and diversification of operations5×
  5. 4Grant of Stock Options to Directors5×
  6. 5Disaster risk hedging through earthquake derivatives5×
  7. 6Expansion of the Store Network and Customer Base4×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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